I wasn’t buying anything suspicious. I was trying to pay for gas. Or dinner. Or a subscription I’ve paid for a hundred times before. But to the bank’s AI, buying a coffee in the next town over looks exactly like a crime spree.

A consistent $50 grocery spender suddenly tries to buy a $3,000 laptop. Or you usually shop at Target, but now you’re at a pawn shop. Machine learning models flag “velocity” and “category” changes. Call your bank to confirm the large purchase. Then ask the agent to add a note to your file for that specific merchant or amount.

This public link is valid for 7 days and shares a thread, including any personal information you added. This link or copies made by others cannot be deleted. If you share with third parties, their policies apply. Can’t copy the link right now. Try again later.